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Our chance of acceptance rating is intended to help point your search in the right direction.
A positive rating does not guarantee that your application will be accepted. Approval of any application is solely at the discretion of the provider.

The maximum APR from the loans above is Representative 1575% APR. Maximum term available is 12 months and minimum term available is 3 months.
Default fees of up to £15 may apply to certain loans.

Representative 1575% APR. Representative Example: If you borrow £400 over 26 weeks at a Representative rate of 1,575% APR and an annual interest rate of 183.00% (fixed), you would pay 26 weekly payments of £29.46. The total charge for credit will be £365.96 and the total amount payable will be £765.96.

Holiday loans

A holiday loan is a personal loan used specifically to fund a holiday. A holiday is very much a luxury item and when planning a trip your first stop for finance should always be your savings. However, if you're planning the trip of the lifetime and your savings can’t cover it, a low rate unsecured personal loan can be a suitable and convenient option. Above is a comparison table of all holiday loan providers.

What not to do

Beware, the lowest rates shown above are reserved for those with a spotless credit history. If your credit score is anything less than perfect do not apply for these loans as your application will be declined. This is likely to harm your credit file, making it increasingly difficult to get accepted for the best rates in the future. If you have a bad credit history, you’re better off visiting our page on loans for bad credit

High-cost short-term loans

High-cost short-term loans (HCST), commonly known as payday loans are, as their title suggests, loans designed to be repaid over a short term. Loans range from £100 to £1000 and are generally repaid within 6 months. 

HCST loans sit at the pricier end of the scale and should be considered for use only as a last resort. If you are thinking of a HCST loan be sure to compare your options first and be absolutely positive you can afford the repayments before you apply. HCST lenders are not featured in this table but we do have a page dedicated to comparing short term loans here

Pricing and things to watch out for

Nearly all lenders will lend for the purpose of a holiday. The rates vary substantially across the market, so be sure to compare your options first - it can make a huge difference to the total you repay.  If you do have bad credit, a credit card can be a cheaper and more flexible way of short-term borrowing whilst providing you with extra security when spending abroad. On the reverse, a number of airlines and travel companies charge a fee for paying with a credit card. This is the same story with a lot of the banks who often charge a fee for any foreign transactions or withdrawals. The advantage of using a personal loan to fund your holiday is you can spend it like cash, meaning you won’t have to pay these fees. 

Acceptance criteria

Criteria will differ from lender to lender, however as a minimum, you’ll have to be at least 18 years old, have a UK bank account, a valid debit card and be able to convince the lender that you’ll be able to meet the repayments. If you are applying for a bank or supermarket loan then you’ll need a spotless credit score

Final word

The bottom line is when looking to finance a holiday always try and use your savings. However, If you’re planning a particularly monumental trip and your savings don’t cover it then a low rate personal loan is worth considering. If you have bad credit then there may be cheaper options such as a credit card or overdraft. When applying for a holiday loan if there’s any doubt you can afford the repayments do not apply.

You can personalise these results with our loan search.

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk